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   Frederick Zhang (frederickzh@mastodon.ktachibana.party)'s status on Friday, 20-Dec-2024 12:36:47 JST Frederick Zhang

   走起

   • Embed this notice
     Frederick Zhang (frederickzh@mastodon.ktachibana.party)'s status on Friday, 20-Dec-2024 12:36:42 JST Frederick Zhang

     in reply to

     • mawei

     @mawei 跟管20% off叫两折一样，经常换个语言知道自己想说啥但是就是说错233

   • Embed this notice
     Roy Tam (roytam1@miniwa.moe)'s status on Friday, 20-Dec-2024 12:36:42 JST Roy Tam

     in reply to

     • mawei
     @frederickzh @mawei -題外話，明明有一說歐美人士不擅長減數，但偏偏打折時卻用了減數-
   • Embed this notice
     Frederick Zhang (frederickzh@mastodon.ktachibana.party)'s status on Friday, 20-Dec-2024 12:36:43 JST Frederick Zhang

     in reply to

     • mawei

     @mawei 等我想说1 - LVR来着，也就是说一般不能超过80%……

   • Embed this notice
     mawei (mawei@mastodon.social)'s status on Friday, 20-Dec-2024 12:36:43 JST mawei

     in reply to

     @frederickzh 这才对啊。。。

   • Embed this notice
     mawei (mawei@mastodon.social)'s status on Friday, 20-Dec-2024 12:36:44 JST mawei

     in reply to

     @frederickzh 然后一般down payment是多少？20%？40%？
     能否提前还款之类的都是和银行谈咯？

   • Embed this notice
     Frederick Zhang (frederickzh@mastodon.ktachibana.party)'s status on Friday, 20-Dec-2024 12:36:44 JST Frederick Zhang

     in reply to

     • mawei

     @mawei 这些都是pre-approval的时候谈，叫LVR (loan to value ratio)
     LVR不同会影响你贷款利率。一般LVR都是20%或以上。低的话找broker可能能给你申下来，但是经常会附带一些不利条件

   • Embed this notice
     mawei (mawei@mastodon.social)'s status on Friday, 20-Dec-2024 12:36:44 JST mawei

     in reply to

     @frederickzh 为啥LVR低还会有不利条件啊。。。
     果然觉得利润太低咯？

     虽然我感觉我down payment也就最多40%～50%。。。

   • Embed this notice
     Frederick Zhang (frederickzh@mastodon.ktachibana.party)'s status on Friday, 20-Dec-2024 12:36:44 JST Frederick Zhang

     in reply to

     • mawei

     @mawei 太低证明你这人不存钱有断供风险

     40% 50%太壕了……

   • Embed this notice
     mawei (mawei@mastodon.social)'s status on Friday, 20-Dec-2024 12:36:45 JST mawei

     in reply to

     @frederickzh 都已经有房贷的土豪！

   • Embed this notice
     Frederick Zhang (frederickzh@mastodon.ktachibana.party)'s status on Friday, 20-Dec-2024 12:36:45 JST Frederick Zhang

     in reply to

     • mawei

     @mawei 欢迎马尾加入土豪阵营帮我还

   • Embed this notice
     mawei (mawei@mastodon.social)'s status on Friday, 20-Dec-2024 12:36:45 JST mawei

     in reply to

     @frederickzh 话说土澳买方是不是还要N多人竞标一个？那房贷是签了购房协议再去找银行办还是得先办再竞标？

   • Embed this notice
     Frederick Zhang (frederickzh@mastodon.ktachibana.party)'s status on Friday, 20-Dec-2024 12:36:45 JST Frederick Zhang

     in reply to

     • mawei

     @mawei 一般是先办个pre-approval， 然后该竞标竞标该议价议价，谈成了签合同开始settlement的程序银行这时候一般不会back out of it

     当然你想先竞标也一般没人拦着你，非竞标的话卖家or中介会先问你有没足够现金or pre-approval （竞标他们也会问但是不要证据啥的只影响中介对你的态度）

   • Embed this notice
     mawei (mawei@mastodon.social)'s status on Friday, 20-Dec-2024 12:36:46 JST mawei

     in reply to

     @frederickzh 土豪家这么多太阳能羡慕！

   • Embed this notice
     Frederick Zhang (frederickzh@mastodon.ktachibana.party)'s status on Friday, 20-Dec-2024 12:36:46 JST Frederick Zhang

     in reply to

     • mawei

     @mawei 现在是装电池的才是土豪
     只装板子的都是抠门的

   • Embed this notice
     mawei (mawei@mastodon.social)'s status on Friday, 20-Dec-2024 12:36:46 JST mawei

     in reply to

     @frederickzh -怕不是已经是自己的房子了-

   • Embed this notice
     Frederick Zhang (frederickzh@mastodon.ktachibana.party)'s status on Friday, 20-Dec-2024 12:36:46 JST Frederick Zhang

     in reply to

     • mawei

     @mawei 咋可能当然是银行的lmao

   • Embed this notice
     Frederick Zhang (frederickzh@mastodon.ktachibana.party)'s status on Friday, 20-Dec-2024 13:18:41 JST Frederick Zhang

     in reply to

     • Roy Tam
     • mawei

     @roytam1 @mawei 难道不是算消费税和tips才更莫名其妙lol

   • Embed this notice
     Roy Tam (roytam1@miniwa.moe)'s status on Friday, 20-Dec-2024 13:18:41 JST Roy Tam

     in reply to

     • mawei
     @frederickzh @mawei 強制tips是壞文化